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a fun, fabulous, financial newsletter
January 2015; Issue: 138

We hope your new year is off to a great start! Set any goals? Making any resolutions? Are you still on track with accomplishing them? If we can help in any way, please reach out.

We recently spent five days in Palm Beach focusing on improving our business in many ways. It was a program called Business Mastery with Tony Robbins.

It was so energizing to be with 1200 people from 47 countries all engaged in building successful businesses with raving fans as clients.

We were broken in to teams and our team of six was from North America and we had a great time getting to know each other and planing our respective futures. Lasting friendships were created!

Each year we spend a lot of time "sharpening the saw" by attending conferences, reading a ton, and serving on industry boards to keep us "top of our game". This year, we will be taking on seven new relationships. One area of focus which has been extremely enriching for us is helping widows redesign their lives just before and after the death of a loved one. This will be a continued area of focus. If you know of someone who would benefit from our expertise, please introduce them to us.

Paula Signature
p.s. Notice the new look of the enewsletter? Let us know what you think.

From Bill's Corner...

Taxes and year-end

Year-end is a busy time for all of us. The holiday season is in full swing, and everyone is zipping around picking up gifts, wrapping them, shipping packages and getting those cards in the mail. Truth be told, I actually don't end up partaking in many of these activities. My wife, Paula, handles most of them for our family, but I always pick out my own Yankee Swap gift. I put much thought and strategy into that gift. What I do spend a lot of time on at this time of year is year-end tax moves for investment portfolios under our management to make sure we take full advantage of the tax code "gifts" available to us.


Congress has been busy these last few weeks of December cleaning up the tax code too - retroactively for 2014. On Dec. 16 the Senate passed H.R. 5771, known as the Tax Increase Prevention Act of 2014, or more simply the "Tax Extenders" legislation. At this writing, it is still awaiting the president's approval. In its final form, the legislation "patches" the tax extenders for one year, retroactively reinstating a wide range of provisions that technically lapsed at the end of 2013, to now be available for the current 2014 tax year.

Time to Share. Create a Buzz.

Have you ever wanted to organized meals for a friend after a birth, surgery, illness or loss of a loved one.

Well, is a free solution that simplifies the organization of giving and receiving meals. By allowing the giving party to take into account the recipient's preferred meal times, food preferences, and available days, the site helps ensure that the recipient gets the meals they enjoy on the days that are most helpful.
A To-Do List for the Surviving Spouse

This checklist can help widows and widowers figure out which tasks to address early on, and which ones can wait.

Funeral and Memorial Etiquette

Advice from experts on funeral and mourning etiquette.
Modern Family Finances

Time to throw out the one-size-fits-all financial plan and get advice tailored to your needs.
Your Driving Deductions for 2015

Tax break for work-related use of a car will improve next year
When Dementia Threatens a Family's Finances

One in three adults will suffer from dementia. Here's how to achieve financial security - and a patient's dignity - when that happens.
Where to Find Deals in January

Bedding and dress clothes lead the list.
In the media...on the blog
WH Cornerstone's principal's are tapped by the media to write for and contribute to a variety of publications. Here are our latest contributions.

INVESTORS, PLANS AND MONEY: Taxes and year end
Old Colony Memorial, December 26, 2014
Paula Harris quoted in: BUSINESS PANEL: New Year's resolutions
The Patriot Ledger, January 3/4, 2015
INVESTORS, PLANS AND MONEY: Happy 40th birthday, IRA!
Old Colony Memorial, January 24, 2015

And, from our blog...
Life's Greatest Lesson
H.R. 5771: Taxes and year-end
Getting Financially Fit
About us

We are authentic, thoughtful, straight-shooters who provide the sound, visionary stewardship that helps our clients protect their financial foundation while building their wealth.
We are private and independent, which means we have the unique ability to build deep, meaningful relationships with our clients with no competing agendas. We are a legal fiduciary for our clients.
road map imageWe have several decades of broad financial and business expertise that enables us to knowledgeably advise on a wide range of financial and business affairs and to help our clients navigate the sea of complexity with confidence.
We are strong believers in the power of near-term, actionable planning and disciplined focus on forward-facing goals.
We are at our best when we help our clients optimize their financial resources to realize their goals and dreams.  
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